Current Home Purchase Mortgage Rates - 30 Years  California Lenders Under 7% for 30 Year Fixed Rate

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in California and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 09/14/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.927% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.563 Points$1,802 Points Fee
$1,802 Total Fees$0 Lender Fees
 30 Years Fixed
6.070% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$2,400 Total Fees$0 Lender Fees
 30 Years Fixed
6.128% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.218% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.996 Points$3,187 Points Fee
$3,187 Total Fees$0 Lender Fees
 30 Years Fixed
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$0 down payment for Veterans homebuying with a VA Loan
Every Mortgage Includes Free Home Price Protection
5.837% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.948 Points$3,034 Points Fee
$3,034 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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